B TI CHNH TRNG I HC TI CHNH MARKETING KHOA: THM NH GI KINH DOANH BT NG SN

Ngy 19 thng 10 nm 2012

THNH VIN NHM 7

Tn Lng Phi Cng (NT) Trng Hong Thu Ngn Nguyn Th Thanh Nam Nguyn Th Trc Nhi Nguyn Th Minh Trang Trn Ngc Yn Nguyn Th Phng Tho Nguyn Vn Duyn Lm Minh Trung V c Thng MSSV 1013030010 1013030061 1013030058 1013030062 1013030105 1013030127 1013030095 1013030017 1013030107 1013030099 Cng vic thc hin Word + Powerpoint Tm + phn tch ti liu Tm + phn tch ti liu Tm + phn tch ti liu Tm + phn tch ti liu Tm + phn tch ti liu Tm + phn tch ti liu Tm + phn tch ti liu Thuyt trnh Tm ti liu

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LI M U ................................................................................................................ 4 PHN 1: TNG QUAN V H THNG THM NH TN DNG CA NGN HNG VIETCOMBANK .............................................................................................. 6 1. Gii thiu v ngn hng Vietcombank ................................................................. 6 2. Gii thiu v h thng thm nh tn dng ca ngn hng Vietcombank ............ 6 3. Cc thnh phn h thng: ..................................................................................... 7 4. Quy trnh tn dng ca ngn hng Vietcombank.................................................. 7 PHN 2: PHN TCH H THNG.............................................................................. 9 I. Quy trnh thm nh gi tnh dng. ...................................................................... 9 M hnh DFD thm nh tn dng VietcomBank mc 1 ................................ 14 M hnh dng d liu DFD ............................................................................. 15

II. M hnh dng d liu DFD ca ngn hng Vietcombank mc 0 ...................... 13 III. IV.

KT LUN .................................................................................................................. 18

LI M U
Ti sao Ngn hng cho vay li thm nh tn dng? Ngn hng cho vay tn dng khng phi sau pht mi ti sn m mun ngi vay s dng vn ng mc ch v c li, ng thi hon vn li cho ngn hng. Cng tc thm nh m bo an ton v cc vn ca hp ng cho vay. C uy tn th mi dng (tn dng), s thm nh tn dng xem li h s vay vn c uy tn hay khng v trnh s ri ro. Thm nh tn dng l mt nhim v quan trng ca Ngn hng, nh nhng ng dng ca mn hc H thng thng tin qun l, bi bo co p dng c hai m hnh l m hnh phn cp chc nng (BFD) v m hnh dng d liu (DFD) c th c t c s phn r cc chc nng t tng th n chi tit (BFD), v cung cp cch nhn tng qut v chc nng, nhim v cn thc hin (DFD). Qua c th thy c cc chc nng, nhim v ca quy trnh thm nh tn dng ca ngn hng Vietcombank

PHN 1: TNG QUAN V H THNG THM NH TN DNG CA NGN HNG VIETCOMBANK

1. Gii thiu v ngn hng Vietcombank Ngn hng Ngoi thng Vit Nam trc y, nay l Ngn hng TMCP Ngoi thng Vit Nam (Vietcombank) c thnh lp v chnh thc i vo hot ng ngy 01/4/1963, vi t chc tin thn l Cc Ngoi hi (trc thuc Ngn hng Nh nc Vit Nam). L ngn hng thng mi nh nc u tin c Chnh ph la chn thc hin th im c phn ho, Ngn hng Ngoi thng Vit Nam chnh thc hot ng vi t cch l mt Ngn hng TMCP vo ngy 02/6/2008 sau khi thc hin thnh cng k hoch c phn ha thng qua vic pht hnh c phiu ln u ra cng chng. Ngy 30/6/2009, c phiu Vietcombank (m chng khon VCB) chnh thc c nim yt ti S Giao dch Chng khon TPHCM. Vi b dy kinh nghim trong hot ng ngn hng v mt i ng cn b tinh thng nghip v, y nng lc v nhit huyt, Vietcombank lun gi vai tr ch lc trong h thng ngn hng Vit Nam. c bit, Vietcombank lun c bit n nh mt ngn hng ng u v ngun vn v c uy tn nht Vit Nam trong cc lnh vc ti tr, thanh ton xut nhp khu, kinh doanh ngoi hi, bo lnh ngn hng v cc dch v ti chnh, ngn hng quc t khc. NHNT pht trin ln mnh theo m hnh ngn hng a nng vi 58 Chi nhnh, 1 S Giao dch, 87 Phng Giao dch v 4 Cng ty con trc thuc trn ton quc; 2 Vn phng i din v 1 Cng ty con ti nc ngoi, vi i ng cn b gn 6.500 ngi. Ngoi ra, NHNT cn tham gia gp vn, lin doanh lin kt vi cc n v trong v ngoi nc trong nhiu lnh vc kinh doanh khc nhau nh kinh doanh bo him, bt ng sn, qu u t... Tng ti sn ca NHNT ti thi im cui nm 2006 ln ti xp x 170 nghn t VND (tng ng 10,4 t USD), tng d n t gn 68 nghn t VND (4,25 t USD), vn ch s hu t hn 11.127 t VND, p ng t l an ton vn ti thiu 8% theo chun quc t. 2. Gii thiu v h thng thm nh tn dng ca ngn hng Vietcombank Thm nh tn dng l vc s dng cc cng c v k thut phn tch nhm kim tra, nh gi mc tin cy v ri ro ca mt d n khch hng xut trnh nhm phc v cho vic ra quyt nh tn dng Tm hiu v thm nh tn dngKhc vi lp d n u t, thm nh tn dng c gng phn tch v hiu c nh cht kh thi tht s ca d n v kinh t ng trn gc ca ngn hng.

 Khi lp d n u t, khch hng do mong mun c vay vn, c th thi phng v dn n c lng qu lc quan v hiu qu kinh t ca d n. Do vy, thm nh tn dng cn phi xem xt ng thc cht ca d n. Tuy nhin, khng phi v th m thm nh tn dng c lng mt cch qu bi quan khin cho hiu qu ca d n b gim st n ni quyt nh khng cho vay. Mc tiu ca thm nh tn dng Mc ch ca thm nh tn dng l vic ra quyt nh cho vay. Do vy, gip cho cn b tn dng v lnh o ngn hng c th mnh dn v trnh sai lm trong quyt nh cho vay, thm nh tn dng cn t c cc mc tiu sau: nh gi c mc tin cy ca d n u t m khch hng lp v np cho ngn hng khi lm th tc vay vn. Phn tch v nh gi c mc ri ro ca d n khi quyt nh cho vay. Gim xc sut ca hai loi sai lm khi quyt nh cho vay:(1)cho mt d n ti v (2)t chi cho vay mt d n tt Mc ch thm nh tn dng: Hn ch ri ro tn dng Nng cao cht lng v hiu qu kinh doanh cua ngn hng thng mi n nh th trng ti chnh hn ch ri ro o c trong kinh doanh ngn hng

3. Cc thnh phn h thng: Cc thnh phn ca h thng thm nh gi tn dng cu ngn hng Vietcombank gm : Lnh do cng ty Trng/ph phng. B phn tip nhn. B phn thm nh tn dng. B phn xt duyt. B phn k ton Khch hng

4. Quy trnh tn dng ca ngn hng Vietcombank. Tip nhn h s: nhn n xin vay t khch hng v kim tra mc dch vay vn. Phn tch nng lc ti chnh: tm hiu xc thc v thng tin khch hng vay vn v kh nng ti chnh ca khch hng khi tr n

 Ra quyt nh cho vay: da trn h s v d tho ca cn b tn dng. Trng/ph phng, G/PG ph duyt v tin hnh cho vay. Gii ngn: sau qu trnh c ph duyt, chuyn tin mt hoc chuyn khon cho khch hng.

PHN 2: PHN TCH H THNG

I. Quy trnh thm nh gi tnh dng.

Quy trnh thm nh gi tn dng

Lp h s tn dng

Phn tch tn dng

Ra quyt nh tn dng

Gii ngn

1. M hnh BFD ca lp h s tn dng 1. Lp h s tn dng

1.1 Tip nhn v hng dn khch hng

1.2 Kim tra h s + mc ch vay vn 1.2 Tip nhn v hng dn khch hng Hng dn khch hng ng k nhng thng tin v khch hng Khch hng gi n xin vay vn cho b phn tn dng kim tra, sau c chuyn cho trng/ph phng kim tra, k tn v lu kho h s, n xin vay vn 2.1 Kim tra mc ch vay vn Kim tra tnh xc thc h s vay vn. Cn b tn dng tin hnh kim tra mc ch vay ca khch hng v tin hnh thm nh cc iu kin vay vn. 2. M hnh BFD ca phn tch tn dng:

2. Phn tch tn dng

2.1 Kim tra v xc minh tn dng khch hng 2.2 Phn tch nng lc ti chnh ca khch hng 2.3 Lp bo co thm nh cho vay

2.1 Kim tra v xc minh thng tin khch hng Kim tra v xc minh thong qua h s vay vn ca khch hng. Tm hiu thng tin v khch hng trc y tng vay vn cha hoc l khch hng mi. Bn tip nhn s chuyn h s cho bn phn tch tn dng 2.2 Phn tch nng lc ti chnh ca khch hng. Nhn v lu kho h s ca bn tip nhn gi sang, thc hin cc quy trnh phn tch.v kh nng ti chnh ca khch hng, li sut, ri ro, v cn b tn dng s tin hnh tnh ton li. Xc nhn, nh gi, gi tr ti sn ca khch hng v bo m thu hi c vn khi khch hng khng c kh nng tr n. 2.3 Lp bo co thm nh cho vay. Da trn kt qu thm nh trn, lp bo co thm nh cho vay trnh trng/ph phng tn dng k tn ng , sau trnh ln gim c/ph gim c. 3. M hnh BFD ca ra quyt nh tn dng. 3. Ra quyt nh thm nh

3.1 Np bo co v t trnh vay.

3.2 B sung hon chnh

3.3 Xin kin xc nhn

3.1 Np bo co v t trnh sau vay Sau khi phn tch tnh dng, thm nh iu kin vay, cn b tn dng d tho trnh trng/ph phng cc vn bn 3.2 B sung hon chnh Cn b thm nh cn c kin ca trng/ph phng tn dng yu cu khch hng b dung h s hon chnh

3.3 Xin kin xc nhn. H s cho vay c cn b tn dng chuyn cho gim c k quyt nh tn dng. 4. M hnh BFD ca gii ngn 4. Gii ngn

4.1 Lp h s + chng t gii ngn

4.2 Trnh duyt gii ngn

4.3 Theo di n khch hng vay

4.1 Lp h s + chng t gii ngn Cn b tn dng yu cu khch hng cung cp h s, chng t v mc ch s dng tin vay 4.2 Trnh duyt gii ngn Cn b tn dng sau khi xem xt cc chng t trnh trng/ph phng k duyt, c th chuyn tip cho lnh o k duyt sau tt c chng t gc chuyn cho b phn k ton 4.3 Theo di n khch hng vay
3

Sau khi b phn k ton hch ton gii ngn th tin hnh theo di n khch hng vay.

II.

M hnh dng d liu DFD ca ngn hng Vietcombank mc 0 Trng/ph phng

Khch hng

H thng thm nh tn dng

B phn k ton

Lnh o cng ty

III.

M hnh DFD thm nh tn dng VietcomBank mc 1 H s vay vn Khch hng Xc nhn Bo co H s kin xc nhn Phn tch tn dng Trng/ph phng kin xc nhn Bo co + t trnh vay

Yu cu cung cp h s chng t

Tin mt hoc chuyn khon

Lp h s tn dng

Chng t

H s

Kt qu Yu cu b sung Gii ngn Xc nhn Ra quyt nh Bo co

Hch ton phiu chi B phn k ton

Chng t + h s

Lnh o

Bo co

H s

kin xc nhn

H s

Bo co

IV.

M hnh dng d liu DFD M hnh dng d liu ca chc nng lp h s tn dng - mc 2:

Khch hng Yu cu vay vn

H s

Nhn v kim tra h s khch hng

Kim tra h s + mc ch vay

H s

Thng tin c kim tra

 M hnh dng d liu DFD ca chc nng phn tch tnh dng - mc 2 H s Tm hiu khch hng vay vn Kt qu T

Bo co

Kt qu thm nh

Phn tch nng lc

Lp bo co thm nh cho vay Bo co Bo co

kin xc nhn kin xc nhn

Lnh o cng ty

Trng/ph phng

M hnh d liu DFD ca chc nng quyt nh mc 2 Bo co Np bo co t trnh vay Yu cu b sung Bo co + t trnh

Khch hng

Yu cu b sung

B sung hon chnh

Xin kin xc nhn H s vay Yu cu xc nhn Trng/ph phng Lnh o cng ty

 M hnh DFD ca chc nng gii ngn mc 2 H s Lp h s chng t gii ngn Yu cu cung cp h s chng t mc ch vay Chng t

Trnh duyt gii ngn H s chng t

H s chng t
H s chng t

Theo di n khch hng

kin xc nhn Lnh o cng ty

N ca khch hng Hch ton Khch hng B phn k ton

KT LUN
Qua bi tp ny, ti cm thy kin thc mnh c m rng hn.y l mt mn hc rt hay,n gip ch rt nhiu cho ti sau ny v gip ti hiu hn v mt h thng thng tin qun l Qua bi tp gip ti bit cch vn dng nhng kin thc hc vo thc tin Do thi gian v kin thc cn hn ch nn trong qu trnh thc hin bi tp s c nhng sai st khng th trnh khi, mong c nh gi v sa cha bi tp ca ti c hon chnh hn. Xin chn thnh cm n c Trng nh Hi Thy v cc bn trong nhm gip ti hon thnh n ny./.